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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,654 | $112,729-40.9% | $98,716-32.5% | $137,256-51.4% |
| Participation rate | 86.4% | 74.2%+12.1pp | 69.3%+17.1pp | 80.0%+6.4pp |
| Annual return | 11.17% | 38.48%-27.3pp | 31.81%-20.6pp | 220.34%-209.2pp |
| Employer contribution / active EE | $1,368 | $2,725-49.8% | $2,279-39.9% | $4,156-67.1% |
| Participant deferral / active EE | $3,004 | $4,640-35.3% | $4,048-25.8% | $6,407-53.1% |
| Admin fee / account holder | $3,529 | $10,129-65.2% | $8,703-59.5% | $12,270-71.2% |